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Secure Your Future with a Dual Benefit ' Plan instead only Mutual Fund!

“Unlike Mutual funds, which are subject to market volatility and uncertain returns, a ULIP gives you the perfect blend of life cover and investment with guaranteed additions and Life Goal Achievement.”

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ULIP VS MUTUAL FUNDS – THE CLEAR DIFFERENCE

ULIP

Dual Benefit: Provides life insurance cover along with investment growth—protecting your family while building wealth.
LTCG and STCG: ULPI plan does not suck any percentage of your profit after and before completion of term
Guaranteed Additions: In some ULIP's guaranteed amount is given after some period (after every 3 or 5 year)
Long-Term Goals: ULIP plans help to create wealth in long term investment, achieve your life goals easily.
Tax Benefits: Premiums and maturity proceeds enjoy tax advantages under Section 80C, 10 (10D)enhancing overall returns.
Switching Charges: Free Fund Switching Charges up to 4 in a year, once in a quarter.
Goverment Security: LIC ULIP's plan have backbone support of government,hence investment security is provided.
LOCK - IN Period:Minimum 5 years lock-in period

MUTUAL FUND

Dual Benefit: Focus solely on market investments without any insurance cover.
LTCG and STCG: Mutual Fund sucks your profit 12.5 in LTCG and 20% STCG suck your profit .
Guaranteed Additions: Returns depend entirely on market performance—there’s no guarantee of steady growth.
Long-Term Goals: Majorly mutual funds are started due to short term benefits, Exposed to fluctuations that can impact your wealth during market downturns.
Tax Benefits: Complete no tax benefits in mutual funds, rather STCG & LTCG applies to suck your profit.
Switching Charge:For everry fund switching charges apply, including exit load charge.
Goverment Security: LIC ULIP's plan have no backbone support of government,hence investment security is not provided.
3 year lock-in period for ELSS funds No lock-in period for regular mutual funds
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ULIPs: The Ultimate Investment in Security and Growth

Key Benefits

Protection & Growth Combined

Your money works for you with both life cover and investment growth in one simple plan.

Guaranteed Additions

See your savings grow every year with guaranteed additions that build your corpus reliably.

Investment Flexibility

ULIP's provide great investment flexibility, allowing money to be moved at any time.

Tax Efficiency

Save your taxes with benefits on both premium payments and maturity proceeds.

Predictability & Peace of Mind

With better returns and life cover, you don’t have to worry about market ups and downs.

Simple Rules, Big Benefits – How ULIP Works for You

Plan Benefits Include

Death Benefit:

Ensures your family receives a generous payout, protecting them financially when you’re not there.

Fund switching:

Free of cost fund switching , yo may thus invest your money according to your expected returns and fixed tolerence.

Guaranteed Additions:

some of ULIP's provide fixed guaranteed addition after specific time period guaranteed.

Flexible Premium Payments:

Choose monthly, quarterly, or yearly payments, with a grace period ensuring uninterrupted coverage.

Goal Based Saving:

You have to save inorder to achieve your major life goals such as buying house, paying for kids higher education, your retirement, foreign tours etc.

Minimal of Charges

ULIP's nowdays cuts your investment with lower rates for various charges. in some ULIP's plan charges are given back .
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Your Questions Answered

ULIPs offer both insurance and investment benefits with guaranteed additions, while mutual funds are purely investment products with market risks and no guarantees.

They are fixed bonuses added to your sum assured each year during the premium paying term, ensuring your total benefit grows predictably.

You can choose a term between 5 and 16 years. After that, your coverage continues for life without further premiums.

No, ULIPs are designed to be transparent. All charges, benefits, and conditions are clearly explained.

 Yes, you can choose the premium term, sum assured, and even add riders to match your specific needs.

"Your Future is One Smart Decision Away"

Why take a gamble with pure investments that expose you to high risks? ULIPs offer a balanced, secure approach to building wealth while protecting your loved ones. With guaranteed additions, tax benefits, and lifelong coverage, a ULIP is the smart, secure choice for a worry-free future. Now is the time to act—secure your future with a plan that works for you.

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Mr.Bipin Kanabar

Kanabar Insurance Consultancy

  • 9879543941/9428624134

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